how do I describe our business activities for the insurer without errors

The SBI code is the starting point, not the answer

Describe the activities as the insurer requests: concrete, in the present tense, and linked to what actually happens — not to what was once in the articles of association. Insurers compare this description with the premium and the coverage, so an overly broad or outdated text will lead to disputes about what was and was not covered in the event of a claim. Start with the description that belongs to the sector in which the enterprise is registered , and develop that further: which services, which products, for which customers. If an enterprise does something else alongside its main activity — advice in addition to installation, leasing in addition to sales — mention that separately. Insurers do not read "and related activities" as cover for everything that somewhat resembles the main activity.

Two points where things often go wrong. One: the description in the trade register is a starting point, not an end point. The register records what is registered under the Business Register Act 2007 about the enterprise, but an insurer often wants a more precise, risk-focused description than the SBI code provides. Two: new activities that started after the policy was concluded are sometimes not yet included — think of a new service or expansion abroad. Also check that against the countries where the company has establishments, because an activity that is carried out only abroad may fall outside standard cover under some policies. If the enterprise does not have a current description that matches what the insurer asks for, then "no" is the honest answer at this time — guessing on an insurer's questionnaire is not an exercise without consequences.

Why this is separate from the liability question

This question about the description of activities often appears in the same list as the question about the public liability insurance of the enterprise, but they are two separate answers: one describes what the enterprise does, the other whether and how that is insured. The basis for the description itself is the registration under the Business Register Act 2007 — which determines which business description and SBI code are officially recorded, and that is the given on which the insurer bases his own, often more specific question.